1. The organizational model of the group, defined as a “company network” model, assigns the reference market share to the territorial banks and the required operating support to the specialized finance and special-purpose companies and in this manner, it achieves efficiency and effectiveness

2. It has a strong geographic presence of about 550 branches and has a strong employee base of around 4500 employees

3. The company has a growing customer base which comprised of around 950,000 customers

4.It has widened the range of product offerings and now it caters to the SME’s and the private individuals as well

Weaknesses

1. The current ratio of the bank is high in comparison to the industry average and it indicates that there is a lot of amount tied to the inventories which can be effectively utilized

2. As a result of the weaker economic cycle, the impaired loans were there and the ratio of impaired loans to total loans to customers, net of value adjustments, was low

3. The portfolios that are held by the bank are highly volatile which increases the riskiness of these protfolios

Opportunities

1. Persistence in Central and Eastern Europe (CEE) economic turnaround provides scope for profitable business growth. Moreover, majority of the Central and Eastern Europe economies are projected to see an increase in living standards supported by competitive labor costs, flexible labor markets and a gradual recovery in foreign direct investment.

2. The global asset management and custody banks sector is growing at a rapid pace. As per MarketLine research, the global asset management and custody banks sector is forecasted to increase

3. Improved liquidity in the European inter-bank markets could revive lending markets

Threats

1. Economic growth in Italy and other Euro zone economies have been weakening. This reduces the investment climate and poses a threat to the bank

2. Competition for retail deposits and tighter balance sheet control have resulted in re-pricing of loans and advances. Competition for retail deposits is expected to intensify further in the coming years as conditions in the global wholesale markets are still not favorable.

3. There are potential strategic and structural risks to the organization, nature and scope of the group's business activities and opportunities posed by many of the proposals for regulatory reform being debated both internationally and domestically in response to the recent financial crisis

Credito Valtellinese Competition

Competitors

1. Credito artigiano SpA

2. Commerzbank AG

3. Erste Group Bank AG

The brandguide table above concludes the Credito Valtellinese SWOT analysis along with its marketing and brand parameters. Similar analysis has also been done for the competitors of the company belonging to the same category, sector or industry.

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